Housing: Handbooks, Forms, and FAQs
Legal Aid of Nebraska provides education and information to those seeking to advocate for and represent themselves. With the resources and links below, we hope to increase personal agency in the legal process - making civil matters easier to navigate and resolve.
Foreclosure Help
If you are behind on your mortgage payments or are worried about making them in the near future, it is important for you to act now. The longer you wait, the more difficult it will be to find a solution.
If you cannot make your monthly payments, you CAN negotiate with your lender to lower them. Mortgage payments can be lowered in two ways: first, your mortgage lender can change or “modify” your mortgage payments; second, you may qualify for a new mortgage loan to “refinance” or pay off your current loan. If you have had an interruption or major change to your income, you may just need to negotiate to repay the payments you missed.
Contact your mortgage lender and ask for help from a foreclosure counselor, there is no charge for foreclosure counseling. The foreclosure counselor will work with you to see if your mortgage payments can be lowered.
Gather the information you will need when you speak to your mortgage lender or a housing counselor:
- Monthly gross income, including recent pay stubs
- Financial account statements, including checking, savings, and credit cards
- Monthly mortgage statements
- Outstanding balances on all of your debts
- Minimum monthly payments on all of your debts
- If you have had an increase in expenses or a decrease in your income (job loss, divorce, illness), write a letter describing the changes that have occurred to make your mortgage unaffordable
Important Disclaimer
Use of these resources is not intended to and does not create an attorney-client relationship between you and Legal Aid of Nebraska’s attorneys. The information provided to you on this website are intended for educational purposes only. Nothing in this information should be considered legal advice or as a substitute for legal advice.
Please understand that the information contained here is based upon generally applicable Nebraska law. Some laws and procedures may vary depending on the specifics of your case. If you want legal advice about your specific issue you must consult an attorney.
